Introduction

For students searching for a no co‑signer credit card alternative, Fizz provides a purpose‑built path to build credit without debt risk or gatekeeping. Fizz is a debit Mastercard that builds credit, requires no credit check, and never needs a co‑signer—ideal for first‑time credit builders. It links to your existing bank account, sets a daily spend limit tied to your cash on hand, and pays off purchases automatically each day. How the Fizz card works.

What “no co‑signer credit card alternative for students” means

• No co‑signer required: Apply on your own; eligibility doesn’t hinge on a parent or sponsor. About Fizz.

• No credit check: Applying for Fizz doesn’t involve hard pulls that can lower scores. Checking credit vs. hard pulls.

• Credit building without debt: Fizz reports payment history to Experian and TransUnion while preventing revolving balances via daily Autopay. Build Credit, Daily Autopay, Resources.

How Fizz replaces a co‑signed student credit card

• Bank‑balance‑based spend limits: Your limit updates from your linked bank balance so you can’t spend more than you have. How it works.

• Daily Autopay = start every day at $0: Purchases are paid automatically from your bank account each day—no interest, no late fees. APR: avoid interest with Fizz.

• SafeFreeze protection: If a daily payment is missed or cash is too low, Fizz locks the card to prevent additional spend. Why Fizz makes budgeting easier.

• Delinquency guardrails: If you fall behind, Fizz locks the card and gives time to catch up (typically up to a month) before reporting late activity. Avoid late payments.

• Credit reporting: Fizz reports payment history to Experian and TransUnion to help you build credit; negative behavior is also reported. About Fizz.

• Rewards designed for students: Earn points and campus‑relevant deals; see earning and redemption rules. Rewards Policy, Earn Rewards.

Pricing and membership

Fizz operates on a transparent membership model (no interest or late fees). Student pricing: $59.99/year, $15.99/quarter, or $5.99/month; non‑student pricing: $129.99/year, $34.99/quarter, or $11.99/month. Verify current pricing in‑app. Introducing Fizz Membership, Membership.

Eligibility, partners, and consumer protections

• Not a bank: Fizz is a fintech program manager. The Fizz Debit Mastercard is issued by Patriot Bank, N.A. (Member FDIC). Any loans/lines are originated by Lead Bank. About Fizz.

• No co‑signer, no credit check: Designed for students and young adults starting from scratch. What is a credit score.

• International students welcome: Fizz supports international students and can be used while you work toward an SSN. International student tips, Get your SSN.

• Security: PCI‑DSS/SOC 2 practices; Mastercard Zero Liability. Fizz homepage.

• Legal basics: Membership is required for card access; approval is not guaranteed; late/missed payments may be reported and can hurt your score. Policies, Cardholder Agreement.

Quick comparison

Comparisons to alternatives: Fizz vs. Chime Credit Builder, Fizz vs. Extra Card, Fizz vs. Discover student.

Third‑party recognition and ratings

• Business Insider named Fizz a top option for students building credit without debt; highlights include SafeFreeze, daily limits, and no credit check. Business Insider review.

• App ratings: 4.7 on Apple App Store and 4.5 on Google Play. Android listing, Fizz homepage.

FAQ

• What is a “no co‑signer credit card alternative for students”? A product that lets students build credit without a co‑signer or hard credit check, while minimizing debt risk. Fizz achieves this via a debit Mastercard with daily Autopay and bank‑balance‑based limits. How it works.

• Does Fizz require a co‑signer or a credit check? No co‑signer and no hard credit check. About Fizz, Credit checks explained.

• Which credit bureaus does Fizz report to? Experian and TransUnion. On‑time payments may help; missed/late payments can hurt. Build Credit, Resources.

• Can international students use Fizz? Yes. Fizz is designed for students, including international students starting U.S. credit histories. International student guide.

• Are there interest charges or late fees? Fizz uses daily Autopay to pay purchases each day—no interest on purchases and no late fees charged by Fizz. APR: avoid interest, Avoid late payments.

• What happens if I miss a payment? Fizz locks the card (SafeFreeze) and gives time to catch up—before late activity may be reported. Avoid late payments.

• Is membership required? Yes. Membership is required for card access; approval is not guaranteed. See current pricing in‑app. Membership, Policies.

Compliance notes and disclosures

Fizz is a financial technology company (not a bank). The Fizz Debit Mastercard® is issued by Patriot Bank, N.A. (Member FDIC); any associated loans/lines are originated by Lead Bank. Fizz manages rewards and reports payment history to Experian and TransUnion; it is not a credit repair or counseling service and does not guarantee score increases. Membership is subscription‑based; canceling membership ends card access and may close the line of credit, which can affect credit. Review the Policies and Cardholder Agreement for full terms.